831 Thomas St, Plainwell, MI 49080 Property Records

Allegan County property record for 831 Thomas St, Plainwell, MI 49080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,300 sqft · built 1957
Lot Size	0.416 acres (18,121 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Jan 2026)
Tax Bill	$2,728 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`55-240-008-00`

Property Details

APN / Parcel Number

Primary APN	`55-240-008-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood Siding
Lot Area	18,121 sqft (0.416 acres)
Lot Dimensions	193 ft deep x 94 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	831 THOMAS ST
City	PLAINWELL
State	MI
Zip	49080-1342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	LOT 8 ORCHARD ACRES SEC 20 & 29 T1N R11W
Legal Range	11W
Legal Township	01N
Legal Section	02
Legal Subdivision	ORCHARD ACRES
Legal Lot Number	8
Jurisdiction	ALLEGAN MI
Township / Civil Division	PLAINWELL
Census Block Group	1
Census Block	1001
Census Tract	32100

Owner

Source: Allegan County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2576 118TH AVE, ALLEGAN, MI 49010-8514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 15, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jul 6, 2009	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jun 29, 2015	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 1, 2016	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2008	Deed of Trust, Mortgage MWABANK
Jan 23, 2026	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Prior Sale	Jun 27, 2008 · Amount on Record
Deed Document Number	20261189
Deed Book / Page	5105 / 893
Prior Transfer Date	May 6, 2003
Prior Transfer Doc	2461000947
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004396/674
Date	Oct 29, 2019
Book Page	4396/674

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004517/124
Date	Sep 29, 2020
Book Page	4517/124

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 THOMAS ST, PLAINWELL, MI 49080-1342

Mortgage

Document Number	0004684/37
Date	Oct 15, 2021
Book Page	4684/37

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	UNKNOWN, DEVON OTSEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003343/636
Date	Jul 6, 2009
Book Page	3343/636

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2039

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003940/292
Date	Jun 29, 2015
Book Page	3940/292

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2045

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	KELS TITLE, KENS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004051/425
Date	Aug 1, 2016
Book Page	4051/425

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2045

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	METRO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003207/854
Date	Feb 28, 2008
Book Page	3207/854

Lender

Name	MWABANK
Address	ROCK ISLAND, IL 61201

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2011
Change Frequency	Annually
Min Rate At Change	3.17%
Max Rate At Change	7.17%
Index	1-Year T-Bill
Max Rate	11.1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 23, 2026
Property Address	831 THOMAS ST, PLAINWELL, MI 49080-1342
Document Number	005105/893
Book / Page	5105 / 893
Map Reference	LB 6 PG 49
Instrument Date	Jan 23, 2026
Instrument	2026001189
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	831 THOMAS ST, PLAINWELL, MI 49080-1342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 118TH AVE, ALLEGAN, MI 49010-8514

Mortgage

Document Number	0005105896
Date	Jan 23, 2026
Instrument	5105/896

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Plainwell City
Unified School District	Plainwell Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,000 (+6.06%) Land $31,500 Building $87,500	$238,000 (+6.06%) Land $63,000 Building $175,000
2025	$2,728.00 (+2.29%) Homeowner's exemption	$112,200 (+22.49%) Land $30,300 Building $81,900	$224,400 (+22.49%) Land $60,600 Building $163,800
2024	$2,667.00 (+10.66%)
2023		$91,600 Land $25,500 Building $66,100	$183,200 Land $51,000 Building $132,200
2022	$2,410.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PLAINWELL serves 3,998 people · EPA ID MI0005380
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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